In this article, you will learn:
Introduction:
auto insurance rates have been rising quite a bit in the past year or so. In fact, you might be forgiven for thinking it was just all go in one direction: up! Much of the recent hikes are the result of bad investment decisions, insurance providers themselves, who are now seeking re-strikes, which have lost money from the insurance paying public. At the individual level, you can not do much about it, but at the end of the day, the price of your auto insurance quotes always come down to one thing ...
risk.
the whole business of insurance (of any kind, not just car insurance) is about risk. When you buy any type of insurance policy, you are accepting a small loss guaranteed (called "premium", which is the amount you pay your insurance company) to avoid large potential losses (financial consequences as the insured). The cost of the premium is directly tied to how is likely that a large potential loss will happen. If it is more likely, the risk (to pay for that loss) for the insurance company will be higher, and in return they will charge you higher premiums. If it is less likely, the risk to insurers will be less, and in return, they will charge lower premiums.
So, all you do to minimize risk to your insurance company will have to pay on your insurance policy will almost always result in lower premiums (the amount you charge ).
Although factors such as where you live, what age you are, your marriage status, what kind of car you have, and what your driving record as there will always matter to some extent, there are still many very easy (and very effective) ways to reduce risk levels are:
Although factors such as where you live, what age you are, your marriage status, what kind of car you have, and what your driving record as there will always matter to some extent, there are still many very easy (and very effective) ways to reduce risk levels are:
...Although factors such as where you live, what age you are, your marriage status, what kind of car you have, and what your driving record as there will always matter to some extent, there are still many very easy (and very effective) ways to reduce risk levels are:
...Although factors such as where you live, what age you are, your marriage status, what kind of car you have, and what your driving record as there will always matter to some extent, there are still many very easy (and very effective) ways to reduce risk levels are:
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